The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$37,322
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,483
−HK$1,179/mo
Today · 4.125%
HK$39,662
baseline
▲ 0.50% · 4.625%
HK$42,076
+HK$2,414/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,324/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,520
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,634
−HK$1,130/mo
Today · 4.125%
HK$43,764
baseline
▲ 0.50% · 4.625%
HK$46,070
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,528/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$613,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,786
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,179
−HK$1,416/mo
Today · 4.125%
HK$47,595
baseline
▲ 0.50% · 4.625%
HK$50,491
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,190/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,824
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,161
−HK$1,355/mo
Today · 4.125%
HK$52,516
baseline
▲ 0.50% · 4.625%
HK$55,284
+HK$2,768/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,032/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,251
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,876
−HK$1,651/mo
Today · 4.125%
HK$55,527
baseline
▲ 0.50% · 4.625%
HK$58,906
+HK$3,379/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,054/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,128
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,687
−HK$1,582/mo
Today · 4.125%
HK$61,269
baseline
▲ 0.50% · 4.625%
HK$64,499
+HK$3,230/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,538/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,180
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,269
−HK$2,123/mo
Today · 4.125%
HK$71,392
baseline
▲ 0.50% · 4.625%
HK$75,736
+HK$4,344/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,784/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,737
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,741
−HK$2,033/mo
Today · 4.125%
HK$78,774
baseline
▲ 0.50% · 4.625%
HK$82,927
+HK$4,153/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,548/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,780 · Scale 2, in force from 26 Feb 2026)